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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,510 | $69,273-8.3% | $90,796-30.1% | $82,637-23.1% |
| Participation rate | 50.0% | 64.0%-14.0pp | 69.5%-19.5pp | 68.1%-18.1pp |
| Annual return | 37.70% | 18.37%+19.3pp | 19.29%+18.4pp | 53.51%-15.8pp |
| Employer contribution / active EE | $2,193 | $1,865+17.6% | $2,294-4.4% | $2,552-14.1% |
| Participant deferral / active EE | $7,308 | $3,047+139.8% | $3,822+91.2% | $4,126+77.1% |
| Admin fee / account holder | $3,755 | $5,511-31.9% | $7,024-46.5% | $7,339-48.8% |